Points Applied helps you get the most out of your credit cards. Track your entire card portfolio in one place — including sign-up bonus requirements, deadlines, and the recurring benefits each card offers. Premium cards are packed with perks, but those perks often expire on set schedules and are easy to miss. Points Applied keeps everything organized so you never leave value on the table.

Yes — Points Applied is and will always remain free to use.

Yes. Points Applied does not store any sensitive financial information — no card numbers, CVVs, bank account credentials, or transaction history. We only store non-sensitive details like your card's open date and sign-up bonus information. Your account is secured through Clerk, a trusted third-party authentication provider.

Use the search to find your card by name or issuer. If your card isn't in our catalog — for example, a card from a local credit union — you can create a custom card and enter the details yourself. Once found or created, enter your card open date and we'll handle the rest.

We support all major banks and issuers and are always looking to expand our catalog. If you don't see your card, you can add it as a custom card with your own details. To suggest a card or issuer you'd like us to officially support, reach out to us at support@pointsapplied.com.

Sign-up bonuses require you to meet a minimum spend within a set time window after your card is approved (for example, spend $4,000 in the first 3 months). The clock starts from your card approval date. Points Applied displays your bonus requirements clearly so you always know what you're working toward.

Most card benefits — like annual travel credits or monthly statement credits — reset on a calendar-year basis (January 1st for annual benefits, the 1st of each month for monthly ones). Some benefits reset on your card's anniversary year instead. We do our best to indicate which cadence applies to each benefit so you always know when your credits refresh.

Each card issuer maintains its own set of eligibility rules that govern when and whether you can earn a sign-up bonus — and these rules can sometimes conflict with one another when you hold cards across multiple issuers. We plan to cover this in more detail in the future. In the meantime, if you have specific questions don't hesitate to reach out to our support team.

Password management is handled by Clerk, our authentication provider. You can update your password from the sign-in page using the "Forgot Password" option.

Yes. To request account deletion, email us at support@pointsapplied.com and we'll remove your account and associated data promptly.